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Title Report/Title Insurance

Verifies the absence or existence of unreported liens or claims against a property.

This documentation is required by mortgage lenders to protect against losses from undisclosed liens or property claims.

Before the closing, the title company will send a preliminary report called a binder that provides the title search results and summarizes any issues found. A title insurance policy is issued at or after the closing.

Title insurance only covers lenders unless you buy a separate owner’s policy.